Ukutshala imali kumabhondi e-Russia 2024: lokho abaqalayo okudingeka bakwazi

Lesi sihloko sidalwe ngokusekelwe ochungechungeni lokuthunyelwe okuvela  esiteshini se-OpexBot Telegram , okungezelelwe umbono wombhali kanye nombono we-AI. Ukutshalwa kwezimali kumabhondi e-Russian Federation 2024: uhlelo olufushane lwezemfundo, kanye nombono wombhali wokuthi kungani amadiphozithi amabi kakhulu kunezibopho ezimweni zamanje.

Ukutshala imali kumabhondi

Ukutshalwa kwezimali kumabhondi (amabhondi) eRussia kungelinye lamathuluzi athandwayo okukhiqiza imali nokuhlukanisa iphothifoliyo. Amabhondi amathuluzi ezezimali akhishwa uhulumeni noma inhlangano ukuze kukhuliswe uxhaso lwesikhathi esithile.

Umtshali-zimali uba ngumbolekisi futhi athole inzalo ngendlela yezinkokhelo zekhuphoni ngesikhathi sokuphila kwebhondi.

[i-id yamagama-ncazo = “okunamathiselwe_17050” align = “aligncenter” wide = “730”] Ubuhle nobubi bamabhondi[/caption] Lapho utshala imali kumabhondi e-Russia, kunezici ezimbalwa ezibalulekile okufanele zicatshangelwe. Okokuqala, kufanelekile ukuhlola ukufaneleka kwekhredithi kokhiphayo. Lokhu kubandakanya ukuhlaziya ukuzinza kwezezimali zomnikeli kanye nezilinganiso. Ukulinganisa okuphezulu, kunciphisa ingozi yokungabuyi ekutshalweni kwezimali. Okwesibili, ukukhiqizwa kwebhondi kufanele kuhlolwe. Imali engenayo yekhuphoni iwumthombo oyinhloko wemali engenayo ngokutshala imali kumabhondi. Usayizi wenkokhelo yekhuphoni uncike enanini lobuso lebhondi, izinga lenzalo kanye nemvamisa yezinkokhelo. Kubalulekile ukuqhathanisa imbuyiselo elindelekile evela kumabhondi namanye amathuba okutshala imali atholakalayo emakethe futhi wenze isinqumo esinolwazi. Isici sesithathu okufanele sicatshangelwe yi-liquidity yamabhondi. I-Liquidity inquma ikhono lokuthengisa ngokushesha ibhondi ngaphandle kokulahlekelwa okukhulu. Amabhondi anomsebenzi wokuhweba ophezulu ahlinzeka ngemali ephezulu futhi andise namathuba okuphothulwa ngempumelelo komsebenzi. Okokugcina, kubalulekile ukuqapha izinguquko esimweni sezomnotho nezombusazwe eRussia, njengoba zingaba nomthelela omkhulu emananini ebhondi. Ukungazinzi kwezombusazwe noma ukusebenza kabi kwezomnotho kungase kuthinte umbono wemakethe ngengozi futhi kubangele ukuba amanani ebhondi ehle. Ngaphezu kwalokho, kuyanconywa ukuthi uthintane nabeluleki bezezimali noma abatshalizimali abangochwepheshe ukuthola izeluleko ezinemininingwane eminingi nezenziwe ngezifiso mayelana nokutshalwa kwebhondi eRussia. Bangacabangela imigomo yakho yezezimali, ukubekezelela ubungozi nezinye izici ezingakusiza wenze isinqumo sokutshala imali unolwazi. Ungawathenga kuphi amabhondi kutheminali ye-Kwik – isibonelo sokusebenzisa isixhumi esibonakalayo[/caption]

Awukwazi ukwenza imali ngediphozithi, kodwa kunenye indlela ethengekayo: amabhondi

Umbono wami: kufanele uhlanye ukuze uvule idiphozithi unyaka, 5 noma 10 iminyaka. Ikakhulukazi ngama-ruble. Ngiphinde ngikutshele indlela yokwandisa isivuno sebhondi.

Ngaphansi kwezinga lokukhuphuka kwamanani emali: nansi imali engakanani “ongayizuza” ngediphozithi eRussia

Ukwehla kwamandla emali eRussian Federation ekupheleni kuka-2022 kwaba ngu-12%. Amanani angcono kakhulu kumadiphozithi esikhathi esifushane (izinyanga eziyisi-6) afika ku-10% ngonyaka. Amazinga angcono kakhulu emali efakwa isikhathi eside (izinyanga eziyi-12 noma ngaphezulu) afinyelela ku-7-9%. Futhi ukuhoxiswa kwemali kusenesikhathi akunakwenzeka ngaphandle kokulahlekelwa inzalo ezuziwe. Futhi enye impikiswano ephikisanayo: izinga lentela ngenzalo kumadiphozithi ngu-13%.

Enye indlela yawo wonke umuntu: ukutshala imali kumabhondi

Amabhondi mahle kubatshalizimali abalondolozayo. Lezi yizibambiso zokutshala izimali zesikhathi eside. Amabhondi kahulumeni, bese kuba amabhondi ezinkampani ezinkulu zikahulumeni kanye nezinkampani ezizimele ezinkulu yizona ezinokwethenjelwa kakhulu. Uma ibhondi inokwethenjelwa kakhulu futhi izinga layo liphakeme, iholo layo liyancipha. Amabhondi anengozi eyengeziwe anikeza izinzuzo eziphezulu. Izibopho ezinokwethenjelwa zinikeza isivuno sekhuphoni se-12-14%. Okuphakeme kunediphozithi. Kancane, kodwa ephakeme kunokwehla kwamandla emali. Inzuzo eyinhloko yamabhondi: isivuno siphezulu kunediphozithi. Futhi okunye:

1. Wonke umuntu omdala ohlala eRussia angatshala imali kumabhondi.
2. Umkhawulo ophansi wokungena – ama-ruble angu-600-1000.
3. Ngokungeza amabhondi, umtshali-zimali uyazi ekuqaleni ukuthi uzothola malini ekugcineni.
4. Amabhondi angathengiswa noma nini ngaphandle kokulahlekelwa inzalo eqoqiwe.
5. Ukuhlukahluka – ungathenga amabhondi enanini elikhulu lezinkampani ezahlukene. Kusukela ku-OFZ ukuya kumabhondi anobungozi anobungozi obumaphakathi. Isibonelo, ama-75 kuya ku-25% kuphothifoliyo yokutshala imali.

I-Finhack: ukwandisa isivuno sebhondi

Vula i-akhawunti yotshalomali yomuntu ngamunye. Zuza imali ekutshalweni kwezimali futhi uthole + 13% evela kuhulumeni enanini elifakwe ku-IIS*. Akukho ukukhwabanisa, ukukhohlisa nje. * Kukhona i-nuance. Inkokhelo ifinyelela ku-400k ruble. Ihlala okungenani iminyaka emi-3. Futhi sonke lesi sikhathi imali ibilokhu iqhwa. Okungukuthi, isivuno 13/3 + 13/2 + 13%. ✔Njengengxenye yokutshala izimali zesikhathi eside, esikhundleni sediphozithi, ngengeza amabhondi ngethemba lemali engenayo eminyakeni eyi-10-20. Cishe u-25% wephothifoliyo yezibambiso. Amabhondi amaningi asho ubungozi obuncane, futhi ngokuphambene nalokho. Akuwona wonke amabhondi adalwe alingana . Amabhondi Wabasaqalayo: indlela yokuthola imali, inzuzo, amakhuphoni, izinhlobo zamabhondi: https://youtu.be/Fk1QrZmE9KM

Kungani kukuhle ukufaka amabhondi lapho inani elingukhiye likhuphuka?

Yikuphi ukubheja okubalulekile kithi, kusithinta kanjani? Izinga eliyinhloko yinani lenzalo elincane lapho iBhange Elikhulu liboleka khona amanye amabhange eRussian Federation, futhi lawo, nawo, izakhamuzi kanye namabhizinisi. Okunomthelela kuyo yonke imakethe.

Imali mboleko kanye namadiphozithi

Uma izinga likhuphuka, okuyilokho kanye abahlaziyi abakulindele, khona-ke imali mboleko iba eqolo kubantu ngabanye nasezinkampanini. Esimweni sethu, kufika ku-8%. ⬇ Ukwenyusa izinga kwenza i-ruble ibize kakhulu, ukwehla kwamandla emali kanye nomnotho wehle. ⬇ Isibalo sabantu sisebenzisa imali encane, sithatha imali ebolekiwe encane: ayenzi inzuzo. Imakethe ye-mortgage iyawa, imali ebolekiwe yezimoto kanye nemalimboleko yabathengi ayifinyeleleki kancane.

Kunenzuzo enkulu ukugcina imali kumadiphozithi

Izinga linquma iphesenti eliphezulu okungafakwa ngalo imali. Ibhizinisi liyahlupheka, izinkomba zezimali ziyawa. Izinkampani ezinezikweletu nezingenzi nzuzo zisendaweni eyingozi ekhethekile. Ayikho imali eshibhile, futhi ukubuyisela izikweletu akunanzuzo. Ukuvula ibhizinisi elisha kunzima kakhulu.

Amabhondi

Lapho amanani enyuka, amabhondi kahulumeni amasha anesivuno esiphezulu. Ukukhanga kwamabhondi akhishwe ngaphambili kuyehla, njengoba kwenza nenani. Ngakho-ke, i-RGBI iwela ngo-1.6% phakathi nenyanga. Amanani ehla, isivuno siyakhuphuka. Amanani kumabhondi kahulumeni anyukile enyangeni edlule. Isibonelo, ngonyaka ukusuka ku-9.3% kuya ku-10.2%. https://youtube.com/shorts/ali067TZe9o?feature=share

Isitoko

Imali mboleko ibiza kakhulu, amabhizinisi atshala imali encane ekuthuthukisweni. Amasheya alahlekelwa yimali. Kukhona ukuphuma kwemali eya kumathuluzi angenabungozi kangako – amabhondi namadiphozithi.

Pho kufanele ngenzeni?

Asethuki; lapho izinga elingukhiye likhuphuka, sithenga amabhondi kahulumeni wesikhathi esifushane nawesikhathi esimaphakathi ukuze sikwazi ukuthenga izindaba ezinenzuzo eyengeziwe ngesikhathi esilandelayo lapho izinga likhuphuka. Asithathi izikweletu, singathatha amadiphozithi.